1 Financial Deregulation

1.1 Mortgage Finance to GDP Ratio

UBS Survey of recent mortgage holders - UBS 13/09/2017

1.2 Net Interest Margins

RBA Chart Pack Banking Indicators 28/6/2018

2 Larger Loan Amounts

2.1 Loan to Income Ratios

2.2 Parental Assistance

Bank of Mum and Dad Now A “Top 10” Lender - Digital Finance Analytics 17/1/2018

2.3 Major Bank Lending for Interest-Only Loans

Interest-only loans could be ‘Australia’s sub-prime’ - AFR 19/05/2017

2.4 Type of Borrower

2.4.1 Owner-Occupier vs Investor

Review of interest-only home loans - ASIC August 2015

2.4.2 Types of Investors

This housing expert thinks Australian investors may be heading towards the ‘cliff edge’ on loan repayments - Business Insider Citi 13/10/2017

2.5 Interest-Only Loan Cliff

2.6 Proportion Converting

The Limits of Interest-Only Lending - Christopher Kent Address to the Housing Industry Association Breakfast, Reserve Bank of Australia, RBA 24/04/2018

2.6.1 Amount Converting to Principal and Interest

The Limits of Interest-Only Lending - Christopher Kent Address to the Housing Industry Association Breakfast, Reserve Bank of Australia, RBA 24/04/2018

3 Loose Lending Practices

3.1 UBS Research on Liar Loans

3.1.1 Mortgage Applications Not Factually Accurate

UBS Survey of recent mortgage holders - UBS 13/09/2017

3.1.2 Magnitude of Factual Inaccuracy

UBS Survey of recent mortgage holders - UBS 13/09/2017

3.2 Westpac Mortgage Data Release 2018

Royal Commission: Westpac mortgage book riskier than peers by Elizabeth Fry - RFi Group 26/04/2018

Westpac Banking Corporation APRA Targeted Review of data used in residential mortgage serviceability assessments - PWC Report May 2017

4 Repayment Stability

4.1 Arrears Rates

Financial Stability Review 2017, Section 2. Household and Business Finances - RBA October 2017

4.2 Applications for Property Possessions

Household Indebtedness and Mortgage Stress - Michele Bullock Address to the Responsible Lending and Borrowing Summit RBA 20/2/2018

4.3 Repayment Buffers

Financial Stability Review 2017, Section 2. Household and Business Finances - RBA October 2017

5 FUNCTION USAGE

5.1 Functions

Both functions have the same usage:

path Character, file path to img as string. fig_width_cm Numeric, number in cm of width desired.

5.2 As Is

5.3 Smaller

5.4 Larger

5.5 Larger and Centred

  • Chunk option: fig.align="center"

5.6 AFR example

5.7 As Is

5.8 Smaller

5.9 Larger

5.10 Larger and Centred

  • Chunk option: fig.align="center"

5.11 RBA example

5.12 As Is

5.13 Smaller

5.14 Larger

5.15 Larger and Centred

  • Chunk option: fig.align="center"